http://www.researchmoz.us/life-insurance-in-spain-key-trends-and-opportunities-to-2017-report.html\ The report provides in-depth market analysis, information and insights into the Spanish life insurance segment, including: The Spanish life insurance segment’s growth prospects by life insurance categories Key trends and drivers for the life insurance segment The various distribution channels in the Spanish life insurance segment The detailed competitive landscape in the life insurance segment in Spain Regulatory policies of the Spanish insurance industry A description of the life reinsurance segment in Spain

1. Life Insurance in Spain, Key Trends and Opportunities to 2017
Synopsis
The report provides in-depth market analysis, information and insights into the Spanish life insurance segment, including:
The Spanish life insurance segment’s growth prospects by life insurance categories Key trends and drivers for the life insurance segment The various
distribution channels in the Spanish life insurance segment The detailed competitive landscape in the life insurance segment in Spain Regulatory policies of the
Spanish insurance industry A description of the life reinsurance segment in Spain Porter's Five Forces analysis of the life insurance segment A benchmarking
section on the Spanish life insurance segment in comparison with other countries with US$60–US$150 billion in gross written premium
Executive summary
During the review period (2008–2012), the Spanish life insurance segment, as compared to other developed European countries, was moderately affected
by the global financial crisis and declined by a CAGR of -0.7%. In comparison, the UK’s life insurance segment declined by a CAGR of -3.9% and that of
France declined by -2.4% during the same period. High demand for guaranteed return products and the increasing need for pension products supported the
segment during the review period. The fast aging population and reduced public spending by government are expected to drive growth in the Spanish life
insurance segment over the forecast period (2012–2017). Overall, the segment is expected to grow at a forecast-period CAGR of 3.1%.
Scope
This report provides a comprehensive analysis of the life insurance segment in Spain:
It provides historical values for the Spanish life insurance segment for the report’s 2008–2012 review period and forecast figures for the
2012–2017 forecast period. It offers a detailed analysis of the key categories in the Spanish life insurance segment, along with market forecasts until 2017.
It covers an exhaustive list of parameters, including written premium, incurred loss, loss ratio, commissions and expenses, combined ratio, frauds and crimes,
total assets, total investment income and retentions. It analyses the various distribution channels for life insurance products in Spain. Using Porter’s
industry-standard “Five Forces” analysis, it details the competitive landscape in Spain for the life insurance business. It provides a detailed analysis
of the reinsurance segment in Spain and its growth prospects. It profiles the top life insurance companies in Spain and outlines the key regulations affecting them.
Reasons to buy
Make strategic business decisions using in depth historic and forecast market data related to the Spanish life insurance segment and each category within it
Understand the demand-side dynamics, key market trends and growth opportunities within the Spanish life insurance segment Assess the competitive dynamics
in the life insurance segment, along with the reinsurance segment Identify the growth opportunities and market dynamics within key product categories Gain
insights into key regulations governing the Spanish insurance industry and its impact on companies and the market's future
Key highlights
Compared to other European countries, the Spanish life insurance segment was only moderately affected by the global financial crisis, declining at a
review-period CAGR of -0.7%, compared to the UK with a decline in CAGR of -3.9% and France’s decline of -2.4%. The demand for guaranteed-return
products following the 2008 crisis supported the life insurance segment during the review period. However, after the sovereign debt crisis in Spain, the repayment
of these products is posing a challenge for life insurers. Spain underwent major pension reforms, such as an increase in the number of contribution years to
calculate pension benefits and a fixed rise in the annual pensions to regulate the pension category. Solvency II, the proposed new European regulatory framework
for insurers, aims to change capital requirements in the insurance industry and introduce new risk management standards for insurers. The directive is expected to
be implemented in January 2016.
table Of Contents
1 Executive Summary
2 Introduction
2.1 What Is This Report About?
2.2 Definitions
2.3 Methodology
3 Regional Market Dynamics
3.1 Overview
3.1.1 Market Trends
3.1.2 Market Size
4 Life Insurance Segment – Regional Benchmarking
4.1 Scale And Penetration
4.1.1 Total Gross Written Premium
4.1.2 Premium Per Capita
4.1.3 Life Insurance Penetration (as A Percentage Of Gdp)
4.2 Growth
4.2.1 Gross Written Premium
4.2.2 Gross Written Premium Per Capita
4.3 Efficiency And Risk
4.3.1 Loss Ratio
Life Insurance in Spain, Key Trends and Opportunities to 2017

2. 4.3.2 Combined Ratio
4.3.3 Incurred Losses Per Capita
4.3.4 Incurred Losses As A Percentage Of Gdp
4.4 Distribution Channels
4.4.1 Direct Marketing
4.4.2 Insurance Brokers
4.4.3 Bancassurance
4.4.4 Agencies
5 Spanish Insurance Industry Attractiveness
5.1 Insurance Industry Size, 2008–2017
5.2 Key Industry Trends And Drivers
6 Life Insurance Outlook
6.1 Life Insurance Growth Prospects By Category
6.1.1 Individual Life Insurance
6.1.2 Individual Pension
6.1.3 Individual Endowment
6.1.4 Individual Marriage And Birth Insurance
6.1.5 Individual Unit-linked Insurance
6.1.6 Individual Term Life Insurance
6.1.7 Individual Others
6.1.8 Group Life Insurance
6.1.9 Group Superannuation
6.2 Life Insurance Growth Prospects By Product Type
6.2.1 Individual Single-premium Policies
6.2.2 Individual Non-single-premium Policies
6.2.3 Group Single-premium Policies
6.2.4 Group Non-single-premium Policies
7 Analysis By Distribution Channels
7.1 Direct Marketing
7.2 Bancassurance
7.3 Agencies
7.4 E-commerce
7.5 Brokers
7.6 Other Channels
8 Porter’s Five Force Analysis – Spanish Life Insurance
8.1 Bargaining Power Of Suppliers: Medium
8.2 Bargaining Power Of Buyers: Medium To High
8.3 Barriers To Entry: Low To Medium
8.4 Intensity Of Rivalry: Medium To High
8.5 Threat Of Substitutes: Low
9 Reinsurance Growth Dynamics And Challenges
9.1 Reinsurance Segment Size, 2008–2017
9.2 Reinsurance Segment Size By Type Of Insurance, 2008–2017
10 Governance, Risk And Compliance
10.1 Legislation Overview And Historical Evolution
10.2 Legislation And Market Practice By Type Of Insurance
10.2.1 Life Insurance
10.2.2 Property Insurance
10.2.3 Motor Insurance
10.2.4 Marine, Aviation And Transit Insurance
10.2.5 Personal Accident And Health Insurance
10.3 Compulsory Insurance
10.3.1 Motor Third-party Liability Insurance
10.3.2 Marine Liability Insurance
10.3.3 Social Insurance System
10.3.4 Air Carriers And Aircraft Operators Insurance
10.4 Supervision And Control
10.4.1 International Association Of Insurance Supervisors (iais)
Life Insurance in Spain, Key Trends and Opportunities to 2017

3. 10.4.2 European Insurance And Occupational Pensions Authority (eiopa)
10.4.3 Directorate General Of Insurance And Pension Funds (dgipf)
10.5 Non-admitted Insurance Regulations
10.5.1 Overview
10.5.2 Intermediaries
10.5.3 Market Practices
10.5.4 Fines And Penalties
10.6 Company Registration And Operations
10.6.1 Types Of Insurance Organization
10.6.2 Establishing A Local Company
10.6.3 Foreign Ownership
10.6.4 Types Of License
10.6.5 Capital Requirements
10.6.6 Solvency Margins
10.6.7 Reserve Requirements
10.6.8 Investment Regulations
10.6.9 Statutory Return Requirements
10.6.10 Fee Structure
10.7 Taxation
10.7.1 Insurance Premium Or Policy Taxation
10.7.2 Withholding Taxes On Premium Paid Overseas
10.7.3 Corporate Tax
10.7.4 Vat
10.7.5 Captives
10.8 Legal System
10.8.1 Introduction
10.8.2 Access To Court
10.8.3 Alternative Dispute Resolution (adr)
11 Competitive Landscape And Strategic Insights
11.1 Overview
11.2 Leading Companies In The Spanish Life Insurance Segment
11.3 Comparison Of Top Five Insurers
11.3.1 Gross Written Premium
11.3.2 Gross Claims
11.3.3 Incurred Loss
11.3.4 Total Assets
11.3.5 Total Investment Income
11.4 Vidacaixa – Company Overview
11.4.1 Vidacaixa – Key Facts
11.4.2 Vidacaixa – Key Financials
11.5 Santander Seguros – Company Overview
11.5.1 Santander Seguros – Key Facts
11.5.2 Santander Seguros – Key Financials
11.6 Bbva Seguros – Company Overview
11.6.1 Bbva Seguros – Key Facts
11.6.2 Bbva Seguros – Key Financials
11.7 Mapfre Vida – Company Overview
11.7.1 Mapfre Vida – Key Facts
11.7.2 Mapfre Vida – Key Financials
11.8 Ibercaja Vida – Company Overview
11.8.1 Ibercaja Vida – Key Facts
11.8.2 Ibercaja Vida – Key Financials
11.9 Grupo Caser – Company Overview
11.9.1 Grupo Caser – Key Facts
11.9.2 Grupo Caser – Key Financials
11.1 Generali Seguros – Company Overview
11.10.1 Generali Seguros – Key Facts
11.10.1 Generali Seguros – Key Financials
11.11 Allianz Seguros – Company Overview
11.11.1 Allianz Seguros – Key Facts
11.11.2 Allianz Seguros – Key Financials
11.12 Bansabadell Vida – Company Overview
11.12.1 Bansabadell Vida – Key Facts
11.12.2 Bansabadell Vida – Key Financials
11.13 Unicorp Vida – Company Overview
11.13.1 Unicorp Vida– Key Facts
Life Insurance in Spain, Key Trends and Opportunities to 2017

4. 11.13.2 Unicorp Vida – Key Financials
12 Business Environment And Country Risk
12.1 Business Confidence
12.1.1 Market Capitalization Trend – Spain Stock Market (ibex 35), Spain
12.2 Economic Performance
12.2.1 Gdp At Constant Prices (us$)
12.2.2 Gdp Per Capita At Constant Prices (us$)
12.2.3 Gdp At Current Prices (us$)
12.2.4 Gdp Per Capita At Current Prices (us$)
12.2.5 Gdp By Key Segments
12.2.6 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices (us$)
12.2.7 Agriculture, Hunting, Forestry And Fishing Net Output At Current Prices As A Percentage Of Gdp
12.2.8 Manufacturing Net Output At Current Prices (us$)
12.2.9 Manufacturing Net Output At Current Prices As A Percentage Of Gdp
12.2.10 Mining, Manufacturing And Utilities At Current Prices (us$)
12.2.11 Mining, Manufacturing And Utilities At Current Prices As Percentage Of Gdp
12.2.12 Construction Net Output At Current Prices (us$)
12.2.13 Construction Net Output At Current Prices As A Percentage Of Gdp
12.2.14 Inflation Rate
12.2.15 Exports As A Percentage Of Gdp
12.2.16 Imports As A Percentage Of Gdp
12.2.17 Merchandise Exports Growth
12.2.18 Merchandise Imports Growth
12.2.19 Annual Average Exchange Rate Eur–us$
12.3 Infrastructure Quality And Availability
12.3.1 Commercial Vehicles Exports – Total Value
12.3.2 Commercial Vehicle Imports – Total Value
12.3.3 Automotive Exports – Total Value
12.3.4 Automotive Imports – Total Value
12.3.5 Total Internet Subscribers
12.4 Labor Force
12.4.1 Labor Force
12.4.2 Unemployment Rate
12.5 Demographics
12.5.1 Gross National Disposable Income (us$)
12.5.2 Household Consumption Expenditure (us$)
12.5.3 Total Population
12.5.4 Urban And Rural Populations
12.5.5 Age Distribution Of The Total Population
13 Appendix
13.1 Methodology
13.2 Contact Timetric
13.3 About Timetric
13.4 Timetric’s Services
13.5 Disclaimer
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Life Insurance in Spain, Key Trends and Opportunities to 2017